Sued by a Debt Collector

Just because you are sued by a debt collector does not mean you will lose. Whoever sues you must show it owns the debt and that you owe the debt.

Debt collector sue you? Find out your 5 options now….

The video above is quite comprehensive but we realize some folks prefer to read rather than watch a video so we have the transcript below.  Feel free to watch (or listen — the slides are not critical to understand the presentation) or read — whatever your preference is…. And I realize you may rather just pick up the phone and call us — feel free to do this by calling 205-879-2447 and we’ll be happy to chat with you.  You… (Read more)


FAQ About Being Sued By A Debt Collector In Alabama

What to Expect When You Are Being Sued — Questions and Answers Regarding Collection Lawsuits Answers are up next So you have been sued by a debt collector (debt buyer) — Asset Acceptance, CACH, Cascade, LVNV Funding, Midland Funding, Portfolio Recovery, Unifund, Velocity, etc. and you have been served with the summons. Or perhaps you are receiving letters from lawyers or non lawyers telling you that you are being sued — what do you do? Our goal is to help… (Read more)


Alabama Debt Collection Lawsuit — Was I served if the papers were given to a family member?

“Was I served if the papers were given to a family member?” This is a question that we receive quite often, and it’s a great question. It’s important to figure out the answer to whether or not you’ve been served properly when you’re dealing with a debt collection lawsuit. Let’s say that there were papers sent to an address where you used to live, but you don’t live there anymore. Then the deadline passes and you’ve got a default judgment… (Read more)


How do I find out if there’s a judgment against me when I receive lawsuit papers?

How do I find out if there’s a judgment against me when I receive collection lawsuit papers? So you’ve been sued by a debt collector in Alabama, you’ve been served the lawsuit papers, but you’re wondering how you’ll know if there’s already a judgment against you. “Is there a judgment automatically against me once I’ve been served?” “Have I waited too long to respond?” Let’s talk about a couple of things before we get to this. First, you have a… (Read more)


Alabama Debt Collection Lawsuit Questions — Part Eleven — General Questions About Trial

Welcome back to our continuing series of articles where we answer your debt collection lawsuit questions.  Before we jump into this article (which is about general trial questions), here is what we have previously covered: Overview of the complaint or lawsuit filed against you What does it mean to be served? Overview of 5 options you have when sued Bankruptcy option Fighting the lawsuit on your own option Settling the lawsuit on your own option Hiring a lawyer to fight… (Read more)


What should I do if I have been sued on a debt that I’ve already paid off?

“What should I do if I have been sued on a debt that I’ve already paid off?” You’ve paid off a debt that you may have owed, and there’s a sense of relief. You’re done with the debt collector (or original creditor), and you can breathe easy now. However, 6 months later (maybe even a year later), you’re served with a lawsuit from the same collector for the same amount that you paid in the past. What should you do… (Read more)


What is a consent judgment, and why is it bad to agree to it in my debt collection lawsuit?

“What is a consent judgment, and why is it bad to agree to it in my debt collection lawsuit?” So you’re dealing with a debt collection lawsuit and you’re talking to the collection lawyer about potentially settling your case, which is definitely one of your 5 options. The collection attorney says, “Great, I need you to sign this consent judgment and we can settle this case. Then you can either make your payments or do a lump sum, and we… (Read more)